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Solving Small Business Cash-Flow Problems with Accessible and Low Interest Financing

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Bonus Timeline


30% Bonus

Ends 24.03.2018


20% Bonus

Ends 28.04.2018


10% Bonus



5% Bonus



0% Bonus

until ICO concludes

We're more than a rating, but numbers don't lie.

In the Press

Let’s Explain The Concept.


Why Should Invoice Financing Evolve?

The traditional model exposes the financier to considerable risk and increases the likelihood of disputes. It’s time for a change.

6 Drawbacks of Traditional Invoice Financing

No direct contact

The financier does not have a relationship with the buyer, which exposes the financier to considerable risk.

Invalid invoices

The seller may issue an invoice for an uncompleted service or a product that doesn’t meet requirements.

High legal costs

The preparation and execution of legal documents is costly and typically involves third-party providers.


The seller and the buyer may conspire to defraud the financier. Or the seller may breach their agreement and request a direct payment.


The buyer may dispute the payment liability and leave the other parties out of pocket, putting their reputations on the line.


The buyer may become insolvent and unable to pay for the invoices, forcing the other parties to suffer the loss of funds.

Our Powerful All-In-One Solution

Reinvention starts now.

We’re ushering in a new era of invoice financing by building a decentralised p2p platform where sellers, buyers and investors are connected.

No Barriers

Trust and transparency between all parties is facilitated through permissioned access, verifications and an in-built reward system.

Lower Rates for Sellers

Sellers will be able to obtain financing at lower interest rates than normally received from a traditional financer.

Diversity for Investors

Investors will be granted access to an investment product that is generally only available to banks and finance companies.

Dynamic Invoices

Dynamic invoices enable all parties to update invoice information in real time, ensure immutability and manage sensitive information access.

Connecting Sellers to Investors

Sellers will have direct access to individual investors. This new distributed peer-to-peer lending environment will benefit both sellers and the investors.

Fractionalised Loans

Invoice loans will be fragmented, allowing investors to purchase loans from a larger pool, increase their diversification and reduce their overall risk profile.

Get involved. Join the ICO.

Who will use Invox Finance Platform?

Sellers who have invoices they wish to sell to accelerate their cash-flow

Investors seeking higher rates of return and diversification of their investment portfolio

Buyers who will receive extended invoice payment periods and be rewarded for verifying invoices

Invox Tokens

Your key to the platform.

Tokens with a real-world use case created on the Ethereum network.

Use Case

Access: Join the platform as a seller by holding Invox Tokens.

Rewards: Get rewarded in Invox Tokens whenever you verify or pay invoices.

Fees: Invox Tokens are used by sellers and investors to pay their respective fees for access.

Token Type

Utility token

Token Ticker


Emission Rate

No new coins will ever be created after the ICO.

Token Network

Ethereum (ERC20)


Tokens will be distributed 14 days after the token sale ends.

Token Value

1 ETH = 10,000 INVOX + any bonuses

Invox Token

  • 45% Marketing45
  • 20% Investment Fund20
  • 15% System Development15
  • 19% Services19
  • 1% Misc Expenses1

Initial Coin Offering

Become an early adopter.

Take part in the ICO to pre-buy your membership to the platform.

Pre-sale Max Cap

2,941 ETH

Pre-Sale Minimum Buy

ETH 1.0

Max Cap

20,000 ETH

Main Sale Minimum Buy

ETH 0.1

Sale Structure

Stage 1

00:00:00 UTC


23:59:59 UTC


Stage 2

00:00:00 UTC


23:59:59 UTC


Stage 3

00:00:00 UTC


23:59:59 UTC


Stage 4

00:00:00 UTC




Track every giant leap.

Meet the Invox Finance Team

The experts bringing you invoice lending on the blockchain.

Alex Mezhvinsky


Adam Mezhvinsky


Daniel Tang

Head Analyst

Victoria Mezhvinsky

In House Legal Counsel

Jose Luis Ramirez

Lead Software Engineer

Lucas Cullen

Lead Solidity Developer - Contractor

Henry Sit

Business Development Manager

Jordan Gifford-Moore

International Operations

Our Advisors

Super experienced. Always one step ahead.

Alex Mashinsky

Strategic Advisor

Emi Wada

Japanese Market Advisor

David Lu

Investment Advisor

JP Thor

Crypto Advisor

Michael Bacina

Legal Advisor

Mo Hamdouna

ICO Marketing Advisor

Boris Mezhvinsky

Angel Investor

Chris McLoughlin

Community Advisor

Kyle Hornberg

Operations Advisor

James Waugh

Tokenomics Advisor

Mauro Presicce

Partnerships Advisor

Our Partners

Bringing Invox Finance to all Corners of the world.

ABR Finance

Private finance company specialising in loans for the small business sector

Mo Works Creative Agency

ICO Marketing Agency located in Melbourne with hands wrapped around the globe.

Celsius Network

Building a P2P Decentralized Lending & Borrowing Platform.

Spero Research

Strategy and Market Advisors

Blockchain & Bitcoin Brisbane

Blockchain & bitcoin consultants & software developers.

Made with Ply

UX design for apps, web and digital products.

MasterNode Ventures

Full stack ICO Advisory Service and Blockchain/cryptocurrency Incubator.


SelfKey A blockchain based identity network

TNG Wallet

The Next Generation e-Wallet


Offers debit cards & secure payment infrastructure for companies & ICOs that issue cryptocurrencies.


What is Invoice Financing?

Invoice financing describes the process of a financier purchasing invoices from the seller. Traditionally, the financier agrees to advance money to the seller against each invoice. The buyer who purchased the seller’s products must then pay the invoices directly to the financier.

How will the Invox Finance platform solve the problem?

The Invox Finance platform is a transparent invoicing system that will establish trust between all parties (buyers, sellers, investors and service providers). Instead of the execution of transactions being dependent on the centralised third-party service provider, a distributed ledger will ensure transactions are clearly visible and information is secure.

How does Invox Finance differ from Populous?

Currently, Invox Finance only has one other competitor in the blockchain space. We offer a unique dynamic invoice model and fragmented loan system, ensuring the best possible experience for seller, investor and buyer. Although both projects were founded recently, our team has been working within the invoice financing sector since 2012 and has successfully funded small businesses with over 30 million dollars.
A more detailed comparison of the two projects can be found on page 16 of our whitepaper.

Why do you need the blockchain?

Every player involved in the invoice financing process, including the buyer, seller and investor, benefits from the blockchain. The blockchain reduces the amount of paperwork, back-and-forth communication and related costs, and is the foundation of Invox Finance’s revolutionary dynamic invoice.

Why do you need a token?

Invox tokens are what you will use to access Invox Finance system and perform different actions. Invox tokens are also used to reward platform users in two ways; they reward the buyer on verification and reward the buyer and seller once the invoice has been paid.

What is a dynamic invoice?

If you think about it, invoices have not changed for hundreds of years. How is it that such an important legal contract that is the backbone of business around the globe hasn’t evolved?
Say hello to dynamic invoices. Dynamic invoices exist on a distributed ledger through an Ethereum smart contract. These invoices provide all parties with the ability to update invoice information in realtime, insure immutability and manage sensitive information access.

Who do you charge?

Invox Finance will charge sellers a processing and administration fee equivalent to 1.1% of the face value of each invoice registered on the platform. This is to be paid in Invox Tokens. A large proportion (approx. 91%) of this revenue will be used to reward buyers and sellers for the verification and payment of invoices.
Invox Finance will charge investors a processing and administration fee equivalent to 3.3% of each advance amount. This is to be paid in Invox Tokens. An amount in Invox Tokens equivalent to 0.5% of each advance amount will be placed into the Invox Finance Self-Insurance Fund. The mandate of this fund will be to accumulate and maintain a buffer in Invox Tokens to provide members with self-insurance services and provide funds for debt recovery and enforcement.
Third parties who provide value to the Invox Finance Platform (for example, credit rating agencies) may be charged to use the Invox Finance Platform. Third parties that wish to access the Invox Finance Platform to provide services to its users will be charged accordingly in Invox Tokens.

Will the users of the system need to know anything about blockchain?

No, the user interface on the Invox Finance platform will create a seamless user experience. In particular, the user interface will allow for all payments to be made in fiat currencies by utilising our banking partners’ API. Fiat currencies are legal tender whose value is backed by the government that issued it (i.e. AUD, EUR, GBP, etc)

Do you have any software development done?

Absolutely. Our whitepaper contains the coding for our proof of concept which is the dynamic invoice. We are currently working on the MVP, and have been since 2017, with our solidity programmer.
We’re not only coding the back end but also have UX and UI expertise to ensure the front end is simple and easy to use. We are a motivated and technically equipped team who is always moving forward and ready to hit the ground running as we receive more funds.

Got another question? Join the conversation on Telegram

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